How can I tell if my insurance is a PPO or HMO?

Question

The insurance coverage is under my step-dad who is out of the country and I don't speak to much, we are still waiting for the insurance to kick it at his new job...

It is Blue Cross Blue Sheild, is there an easy way to tell if it's an HMO or PPO based on his employment?

Answer 1

It is based upon the contract.  

One contract can allow for a choice between the two.  You are going to have to contact the company that offers the coverage.  Baring that, contact one of the providers, offering the insurance number.  The number can be checked, and the provider will be able to inform you of HMO or PPO protection.